# FIRST NATIONAL BANK OF PANA
PANA, IL · FDIC certificate 3720 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $394.8M | |
| Deposits | $350.7M | |
| Loans and leases | $292.3M | |
| Total equity | $41.6M | |
| Loans / deposits | 82.58% (p52 of band) | 82.04% |
| Liquid assets / assets | 22.29% (p40 of band) | |
| Uninsured deposits / deposits | 20.04% (p29 of band) | 25.97% |
| Brokered deposits | 1.23% | |
| Wholesale funding | 1.23% (p36 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.55% (p46 of band) | 10.81% |
| Unrealized securities loss / equity | -5.16% (p62 of band) | -8.10% |
| AOCI / equity | 0.80% (p94 of band) | |
| ROA (annualized) | 1.58% (p69 of band) | 1.28% |
| Net interest margin | 3.70% (p38 of band) | 3.91% |
| Efficiency ratio | 56.36% (p34 of band) | |
| Noncurrent loans | 0.07% (p20 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p36 of band) | |
| Reserve coverage of noncurrent | 1361.39% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 43.13% (p50 of band) | |
| Auto loans | $2.4M (0.82% of loans; DQ 1.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | charge-offs p90 |  |
| 2012-06 | 0 |  | charge-offs p90 |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, reserve under noncurrent |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 1 | charge-offs p90 | capital falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2024-06 | 1 | capital falling | uninsured deposits leaving |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-12 [Rare 1854 Daguerreotype of Pana Civic Leader John W. Kitchell Returns Home - The Breeze Courier](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPdnBRVTRGQ0dRTkxsekVaRjZJZ1c3VFNhY2RmT3FWaGtiMHhRd2F4NlRZSXg4dUdRbldJc1J3eFBGMC1jNXZTWlNGQ0RwYlBPT29OU2NYSnlBMnJ4cHdKeTBWQUtjV3dJMGZ3XzJOcEs1bjkyZGxVcUE2aHVza2xjU3l5bkp5clFFVThHaUpkanJpWGkxZmJTNGJlRTRHQ0NMNUNEMzZZYVVkd25MZXVfSjJIZGNMdGx2QTU0eG9HU3U?oc=5) · The Breeze Courier
- 2019-07-21 [Andrew Chiligiris appointed to First National Bank of Pana Board of Directors - Herald-Review.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNT3p6NGhZZXhYU3A1MTlNVURZNHU5M2ZMclE4Ujh0SjBxWE1iSXRTUWxWMk8xWS1nVmhtTGRjcThVNnJzZy10YU5iWUZmSWFHamk3cDFMaTdhREkzT001UmJ4SWZMMlZwRzFaNjI1UDY1S21OYVhGQll4MV9xcTluYzdnX2x2UkNSXzhIQnFvbkl1MUpDbHJBdTY2QlltUXZXVU5xVlJn?oc=5) · Herald-Review.com
- 2026-04-19 [Taylorville City Council Met Last Night To Discuss Ordinances - Taylorville Daily News](https://news.google.com/rss/articles/CBMioAFBVV95cUxQeUZ4c2hNZG1HQlppWDZrM1M4eC1BakpNeFBfVlBHVGNtSGdkS01kVFpKMzN0Z25LYXo1Q0VxTWJwQVVlUEdVTm90YlM2OXh4STVxMFUyeWVVcHg1cDhYM191ODI0UmZfVTRJbVdxNTZwcU9HTjBtVHNpY0VYQzA1Q1Z1SnI3MlVDVzZ4eDlSUUZGQTVmQkV3dlhmOG1IbjB6?oc=5) · Taylorville Daily News
- 2024-05-14 [J. Gregory Holthaus Obituary | McCracken-Dean Funeral Home | Pana, IL - Tribute Archive](https://news.google.com/rss/articles/CBMieEFVX3lxTE5rNVRkWmVDNmlBZEJRbENVeDhFYzJkc2JIbHpjUEU0ZFIwbFAwX2NrYUR3cGlrckcyVnVkNzhGQ2JjSnFFa1VCemo5bzVsTnhmMzNzYVFxcWtyT2gwejFHVEcycWtqZ0ZFek41N05SYzY3QW0wSF9rWA?oc=5) · Tribute Archive
- 2025-04-06 [TCCU Welcomes New Compliance Officer - Taylorville Daily News](https://news.google.com/rss/articles/CBMif0FVX3lxTE1tS2dzdnBobExQTkx0NUxmZWZUam1teEJzbWFnMk5QYm90Q0cwLWY1WW8xaTRVeDBFbzR4VTd3bXdlUlkxV28tRHZqQ25IXzV3R3k5NWNZWEJFT1l4TlU2Nml0MG9yM1l2LXYwLVhScW96bTVaU2lzN2ZRcXlyMW8?oc=5) · Taylorville Daily News
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2026-04-19 [Taylorville City Council Set To Meet This Evening - Taylorville Daily News](https://news.google.com/rss/articles/CBMikAFBVV95cUxNWUcwSmRON1VwMF9zZGhtU0hoYUltLU84amFyZ2hPMHNIOW1rRmNBNEtjU2ZJV29qS195R1ZTLVRRUjBVWndXNGF6aUdNVGNzWG5NR3ZxTWh1VDdYbkhxZnJrb1hEQ1BRX1RXR3J4WkVDOXNfRS1lSW5yd29vWnFpTWkxUGhPVHNzUWh0TXdjMVo?oc=5) · Taylorville Daily News
- 2012-05-27 [Charles Clausen Obituary (2012) - Assumption, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPZWF3eG1DZXRfOXhCT1NKbUZ5YUVBeTlkajZrZE9LR093WDZqSXVidDZiemR1U2ZlOXg0eEZabUZ6eWFFSHo2Vm9iaTF6WmdrVjlXa2NaTzZUY3VkV0o4ODFJNHZTNjdURFdqTjFReDQ0N05raFB1UmZwTDFYWWlMYUpGOFZjdEZnejI2WExOdVRDN05OTVY0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3720 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "3720", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide